R&W insurance broker commission

Brokers have incredible value in the R&W market. Let's say you want to place a policy for a deal you're doing. Do you know which 15 insurance carriers to call and the specific underwriter that will understand your deal? Do you know specific policy limit options, retention levels, exclusion wording, etc.? My guess is that Marsh or Aon see hundreds of deals a year and know exactly how to negotiate terms vs. a single fund who may place a handful per year across different industries, types of companies, etc. And if you end up having a claim, the broker can help you navigate the claims process which is a bit of a nightmare these days because R&W carriers are way understaffed relative to the number of in-force policies. If the carrier is being difficult, it's helpful to have someone who is dealing with the carrier across dozens of claims and can anticipate the hot button issues, etc.